Save on 1999 Porsche 911 Insurance Quotes

Want cheaper insurance rates for your Porsche 911? Trying to find cheaper insurance for a Porsche 911 can be a painful process, but you can use a few tricks to make it easier.

There is a better way to compare insurance rates and you need to know the proper way to quote coverages for a new or used Porsche and obtain the lowest price from local insurance agents and online providers.

Smart consumers take time to do rate comparisons before your policy renews since insurance rates change regularly. Despite the fact that you may have had the best deal for 911 insurance six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the best ways to reduce your cost while improving coverage.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Most are applied at quote time, but a few need to be specifically requested before being credited. If you don’t get every credit you qualify for, you are throwing money away.

  • Good Student – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for 911 insurance than their less cautious counterparts.
  • Homeowners Pay Less – Owning a house can save you money because of the fact that having a home shows financial diligence.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for 911 insurance depending on your company.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Life Insurance Discount – Larger companies have better rates if you take out life insurance from them.

Keep in mind that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will help reduce your overall premium however.

Car insurance companies that may offer these benefits may include but are not limited to:

Check with all companies you are considering which discounts you may be entitled to. Discounts might not apply in your area.

Situations that might require an agent

When choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • When would I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving out-of-state?
  • What happens if I owe more than my 1999 Porsche 911 is worth?
  • Should I put collision coverage on all my vehicles?
  • Which is better, split liability limits or combined limits?
  • I have health insurance so do I need medical payments coverage?
  • What is the ISO rating for a 1999 Porsche 911?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a bird and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like dental work, EMT expenses and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Porsche 911.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

This can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision insurance covers damage to your 911 resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, backing into a parked car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Compare but don’t skimp

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

The cheapest 1999 Porsche 911 insurance is definitely available online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

People leave their current company for a variety of reasons including being labeled a high risk driver, poor customer service, high rates after DUI convictions or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

To learn more, feel free to browse the resources below: